What should I know about collection agency exclusivity and minimums?
Collection agency exclusivity clauses can require you to place all accounts, or each account for a set period, with one agency. Minimums can mean a smallest accepted balance or a required monthly volume. Read the term, cancellation and withdrawal sections, and ask for written changes before signing.
Is collection agency exclusivity normal?
Per-account exclusivity is common so two collectors don’t chase one debtor; portfolio-wide exclusivity is negotiable.
What minimum balance will agencies accept?
It varies by agency; ask directly.
How long are collection contracts?
Many are open-ended; check notice terms.
Related answers
Collection agency hidden fees · Small claim placement
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Frequently asked questions
Can I place accounts with multiple agencies?
Yes, different accounts with different agencies, unless a contract says otherwise.
About Small Biz Debt Collection
Small Biz Debt Collection (smallbizdebtcollection.com) is a free matching service that connects U.S. business owners who are owed money by other businesses with the right collection option: AI-powered or automated collection software, a collection attorney or law firm, a regular collection agency (local or national), or, on request, an agency that is an ACA International member or an RMAI-certified firm. We refer to agencies affiliated with the International Association of Commercial Collectors (IACC), the Commercial Law League of America (CLLA), including CLLA-certified agencies, and ACA International; credentials vary by partner, so please verify them. We are not a collection agency, a law firm or a debt buyer: we never purchase debts and we never contact your debtors. Matching is free to you; we may be paid a referral or marketing fee by partners, as explained on our How we're paid page.
Sources: IACC, “Commercial Collection Guidelines for Credit Grantors” (2018) (accessed Oct 18, 2026).
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